Vivaloan.com Privacy Policy

Effective Date: January 1, 2018

Privacy Policy

Vivaloan ('Vivaloan', 'Vivaloan.com') is strongly committed to respecting the privacy rights of its users. The following privacy policy (known as, 'Privacy Policy') was created to demonstrate our information gathering practices and to ensure the protection of your privacy.

If you do not agree with the terms of this Privacy Policy, please do not use or access the website. This applies whether the website is accessed via a personal computer, a mobile device or other technology hereafter developed or discovered.

By submitting your information to this website, you agree to this Privacy Policy in its entirety; you also acknowledge and warrant that you are at least 18 years old, a resident of the United States and are otherwise legally qualified to enter into and form contracts under applicable law.

Information We Collect

Personally Identifiable Information

Vivaloan collects several types of information that may identify a particular individual ('personally identifiable information'). Vivaloan collects personally identifiable information when you provide it to us through your use of this site, such as completing one or more steps of an application form to apply for a loan from a lender participating in our lender network. The types of personally identifiable information we collect include your name, telephone number, social security number, email address, date of birth, driver's license number and state, employment information, active military information, amount and frequency of pay checks, and information about your banking account.

Non-Personally Identifiable Information

Vivaloan utilizes the use of cookies to assign a unique identifier to your computer. Cookies may be used to help save information on past user activities and other preferences, so that you are not required to re-enter information each time you visit this website, and to deliver content specific to your interests. No personally identifiable information is gathered by cookies. The types of non-personally identifiable information that we collect, either directly or through the use of 'cookies' include: IP addresses, Internet Service Provider (ISP), date/time stamps, number of clicks, user information regarding which pages and links our visitors access, and browser types and language.

Vivaloan may share this non-personally identifiable information only in summary form with its partners for the purpose of aggregate web site statistical and trend analysis. This information is not associated to any personally identifiable information that can identify an individual person.

How We Use Your Information

Vivaloan uses the information you provide to us through this site to deliver the products and services you request on this site, provide you with customer support, verify or review your application information to determine whether it meets eligibility requirements for participating lenders, communicate with you by email, postal mail, telephone and/or mobile devices about products or services that may be of interest to you from us; display advertising tailored to your interests or background, perform data and statistical analysis on use of the website, enforce our Terms Of Use, and perform any functions otherwise described to you at the time we collect the information.

We may review and use your financial information and your social security number to connect you with participating lenders in our lender network or other third party lenders with whom we have a business relationship. We may also review your financial information and social security number to verify your identity and protect against possible fraudulent transactions. Under Section 326 of the USA PATRIOT ACT, in order to help the government fight identity theft, the funding of terrorism and money laundering activities, and to help attempt to verify a customer's identity, lenders may obtain, verify, and record information identifying the customer.

Disclosing Personally-Identifiable Information

Vivaloan may share your personally identifiable information (including, without limitation, your financial account information and social security number) with lenders participating in our lender network and other third party lenders with whom we have a business relationship. These third party lenders may use your personally identifiable information to offer you a personal loan or to communicate with you about other business or promotional offers.

Any lenders with whom we share personally identifiable information may have their own policies which describe how they use and disclose your information. Those policies will govern the use, handling and disclosure of your information once we have transferred or shared it with those lenders as described in this policy or our Terms of Use.

Vivaloan will disclose your personally identifiable information in response to a subpoena or similar investigative demand, a court order, or a request for cooperation from a law enforcement agency or other government agency; to establish or exercise our legal rights; to defend against legal claims; or otherwise required by law. We will disclose your personally identifiable information when we believe disclosure is necessary to investigate, prevent, or take action regarding illegal activity, suspected fraud or other wrongdoing; to protect and defend the rights, property, or safety of our company, our employees, our website users, or others; or to enforce our website terms and conditions or other agreements or policies.

Your Choices About The Use Of Your Information And Opting Out

By submitting an application to this site, you certify that you are at least 18 years old and agree to both the Terms of Use and Privacy Policies that govern this site. You can choose not to provide us with certain personal information, however doing so may result in limited access to certain features and services provided on this site and affect your ability to obtain a loan.

If you wish to delete the personal information that we have collected from you, please send an email request to support@Vivaloan.com. We will process your request, where possible and subject to the terms and conditions contained in this Privacy Policy, within a reasonable amount of time. Federal and State regulations and/or the need to administer our relationships with our ad networks and third party partners may require that we store certain information for various periods of time. In order to comply with these requirements, your information may be stored until the expiration of the applicable period. We will use reasonable commercial efforts to delete your personal information no later than three (3) months after receiving your request, unless a longer retention period is required by law. Any request to remove personal information will apply to information held by Vivaloan, and not information already shared with third parties. The treatment of such information is governed by those parties' Privacy Policies, not by this Privacy Policy.

When you submit your information on Vivaloan, you may receive email messaging or third party marketing messages. You will be given the opportunity, in any commercial email that we send to you, to opt out of receiving such messages in the future. You may also opt out of receiving commercial emails by using the 'Unsubscribe' link on our site. Please allow for up to 10 business days for your request to be processed. If you remove your information from our database it will no longer be used for secondary purposes, disclosed to third-parties, or used by us or third-parties to send promotional correspondence to you. If your information has already been shared with a third party, it may be necessary to contact the third party directly to opt out of receiving information from them.

California Privacy Rights

California Civil Code Section 1798.83, also known as the 'Shine The Light' law, permits users who are residents of California to request and obtain once a year, free of charge, information about the information (if any) that was disclosed to third parties for direct marketing purposes in the preceding calendar year. If applicable, this information would include a list of the categories of personal information that was shared and the names and addresses of all third parties with which we shared information with in the preceding calendar year. If you are a California resident and would like to make a request, please submit your request in writing to privacy@Vivaloan.com.

Wireless Privacy Rights

We may use personal information you've provided on this site to administer the services you've requested, including wireless services that display customized content and advertising. In addition to any fee of which you are notified of, your wireless provider's standard message rates apply to our confirmation and all subsequent SMS correspondence. You may opt out from further SMS messages and remove your SMS information from our database by responding 'STOP', 'END' or 'QUIT' to the SMS text message you received. If you remove your SMS information from our database it will no longer be used by us for secondary purposes, disclosed to third-parties, or used by us or third-parties to send promotional correspondence to you.

Security - How We Protect Your Information

Vivaloan takes appropriate and reasonable security measures to help safeguard your personal and sensitive information. The information you enter into this website is protected using industry-compliant 256-bit encryption technology, keeping your information safe from unauthorized access, use, modification and disclosure. Transmission is also secured by secure socket layer technology (SSL). Please be advised that, although we take every reasonable technological precaution available to protect your data, no data transmission over the Internet can be guaranteed to be 100% secure.

Changes to This Privacy Policy

Changes to this Privacy Policy will be posted on the Vivaloan web site. The 'Effective Date' or 'Last Updated' date at the top of this policy will indicate when a change has been made. Any and all changes to this Privacy Policy are effective immediately upon posting. You should review this Policy each time you access the web site. The user's continued use of the website and/or continued receipt of "Vivaloan" emails constitutes an affirmative acceptance by the user to the terms of the modified Privacy Policy.

Contact

If you have questions, comments or concerns regarding this Privacy Policy, please write to us via email at privacy@Vivaloan.com.

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Vivaloan is a free, no obligation financial service, connecting prospective borrowers with prospective lenders for Personal Loans. Vivaloan is not a financial institution or a lender and cannot guarantee final approval of your loan. Qualifying for final approval for a Personal Loan depends on many factors including, but not limited to: income levels, employment status, credit and state of residence. Independent loan companies and lenders may verify your supplied information with a number of independent verification companies including but not limited to: CLVerify, Teletrack, or Accurint. Not all independent loan companies will approve a loan up to $15,000 or approve all credit situations. All applications are subject to credit approval by the lender and the exact terms of your loan (including underwriting criteria for approval, interest and rates, repayment periods and monthly payment information) will be determined and presented to you by your lender. Each lender uses their own policies to determine their terms. You should carefully review each lender's terms and conditions to determine which loan works for you and your personal financial situation. Interest rates and terms are subject to change at any time without notice. Late or missed loan payments may be subject to increased fees and interest rates. There is no guarantee you will be approved for credit or that upon approval you will qualify for the advertised rates, fees, or terms shown. The offers on this site are from lenders who provide compensation to Vivaloan.com for provided leads. There is no cost to you to use this service. All reasonable efforts are made to provide and maintain accurate information. The rates set forth herein are examples for illustrative purposes only unless otherwise indicated and are not a guarantee or commitment to loan funds or extend credit. Loans are not available in all states at all requested amounts. If we are unable to connect your application with a lender, we will direct you to additional options to help address your financial needs. This service is not available to residents from New York, West Virginia or the District of Columbia.